Communication system and method for using human telematic data to provide a hazard alarm/notification message to a user in a dynamic environment such as during operation of a vehicle

ABSTRACT

Systems and methods are disclosed herein for providing near real-time communication, such as a warning/notification, to a user based on analysis of various user and vehicle telematic data. The system includes a user with a wearable human telematic sensor providing telematic data about the wearer. Also, the system and method includes at least one vehicle telematic sensor configured to provide telematic data about the vehicle and/or surrounding environment. The various telematic data is communicated and processed to provide a notification back to the user such as a potential safety hazard. The safety hazard may be based upon sensed data specific to the user, specific to the vehicle, or combinations thereof.

CROSS-REFERENCE TO RELATED APPLICATION

This application is a continuation of U.S. patent application Ser. No.14/507,739, filed Oct. 6, 2014, and titled: Communication System andMethod for Using Human Telematic Data to Provide a HazardAlarm/Notification Message to a User in a Dynamic Environment Such asDuring Operation of a Vehicle; and is also a continuation of U.S. patentapplication Ser. No. 14/507,802, filed Oct. 6, 2014, and also titled:Communication System and Method for Using Human Telematic Data toProvide a Hazard Alarm/Notification Message to a User in a DynamicEnvironment Such as During Operation of a Vehicle.

FIELD OF THE INVENTION

In general, the invention relates to a computerized system and methodfor providing a personal warning or alarm notification based on humantelematic data in or around a dynamic environment such as operating avehicle.

BACKGROUND

The use of telematics sensors and other location-aware, status-awaredevices have begun to make their way into the marketplace. Currently,they are used with vehicles to determine a driver's speed or perhapslocation/route traveled. This information is typically used to ensureemployees are not deviating from established travel routes or driving inan unsafe fashion. The data received is currently data depicting how orwhere a person has driven. It is inherently dated or otherwise depictingpast events when viewed or analyzed.

As the current systems and methods are not set up to provide real-timeanalysis of an individual or their current environment, the systemscannot provide a user with information regarding a potentially hazardoussituation they may be near or otherwise affected by.

As such, what is needed is a system and method that monitors a user andtheir environment that is capable of providing a near real-time warningor other notification to the user.

SUMMARY

A system for processing vehicle safety status data and user data relatedto the determination of a hazard alarm/notification for a user. Thesystem includes a communications interface configured to receive healthtelematics data collected by a telematics data acquisition device. Thetelematics data acquisition device is configured to collect healthtelematic data of a vehicle safety status, the health telematic databeing indicative of the vehicle safety status health while the user isoperating a vehicle. Additionally, the data acquisition device is alsoconfigured to receive vehicle telematic data collected by a telematicsdata acquisition device, wherein the telematics data acquisition deviceis configured to collect telematics data of a vehicle indicative ofvehicle safety. The device provides the health telematic and the vehicletelematic data to a business logic processor for the development of ahazard alarm/notification based on at least one of the received healthtelematics data or vehicle telematic data. Further, the system transmitsthe hazard alarm/notification to the user.

A still further aspect includes one or more tangible computer readablemedia storing computer readable instructions that, when executed,perform a method of providing a hazard alarm/notification to a userbased upon human health telematic data and vehicle telematic data.Including receiving health telematic data via a communications interfacehealth telematics data collected by a telematics data acquisitiondevice. Also, receiving vehicle telematic data via a communicationsinterface vehicle telematics data collected by a telematics dataacquisition device. This includes determining a hazardalarm/notification based on the received user health telematic data andthe received vehicle telematic data. Also included is transmitting thehazard alarm/notification to the user.

Yet another nonlimiting aspect of this disclosure includes a sensorsystem that has a first sensor, to be worn by a user. The first sensoroutputting a first sensor data indicative of measured at least one userhealth telematic data. Additionally included is a second sensor, incommunication with a vehicle being operated by the user, the secondsensor outputting a second sensor data indicative of a measured at leastone vehicle telematic data. Also, a computing unit, in communicationwith the first sensor and the second sensor. The computing unit storingprogram instructions for execution by the computing unit to, receive thefirst sensor data and the second sensor data, calculate a risk levelassociated with the first sensor data and the second sensor data, and,output a hazard alarm/notification feedback signal to the userindicative of the risk level of the first sensor data and the secondsensor data.

Another aspect of the disclosure is a method for providing a hazardalarm/notification based upon human user health telematic data andvehicle telematic data. The method comprising, receiving, by acommunications interface, user health telematics data collected by atelematics data acquisition device. The user health telematics databeing indicative of a user health status health while operating avehicle. Also, receiving, by a communications interface, vehicletelematic data collected by a telematics data acquisition device, thevehicle telematics data being indicative of a vehicle safety statushealth while being operated by a user. Further, determining, by thebusiness logic processor, a hazard alarm/notification for the user basedon the received user health telematic data and vehicle telematic data.Additionally, providing by the business logic processor, the hazardalarm/notification to the communications interface. Also, transmitting,by the communications interface, the hazard alarm/notification to theuser.

An additional aspect includes a method of providing a hazardalarm/notification to a user based upon human telematic data and vehicletelematic data. The method includes providing a first sensor to be wornby a user and a first sensor data indicative of measured at least oneuser health telematic data. Further, the method includes providing asecond sensor, in communication with a vehicle operated by the user, thesecond sensor outputting a second sensor data indicative of a measuredat least one vehicle telematic data. Still further, the method includesproviding a computing unit, in communication with the first sensor andthe second sensor, the computing unit storing program instructions forexecution by the computing unit. The computing unit receives the firstsensor data and the second sensor data, calculates a risk levelassociated with the first sensor data and the second sensor data and,provides an output hazard alarm/notification indicative of the risklevel of first sensor data and the second sensor data to the user.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is an architectural model of a system configured for providing analarm/notification to a user based upon user telematic data according toan illustrative embodiment of the invention.

FIG. 2 is a block diagram of a computing system as used in FIG. 1,according to an illustrative embodiment of the invention.

FIG. 3 is a block diagram of a vehicle environment and a device coupledto the vehicle for collecting telematic data and environmental data,according to an illustrative embodiment of the invention.

FIG. 4 is a block diagram of a mobile device used within a vehicle forcollecting data according to an illustrative embodiment of theinvention.

FIG. 5 is a flowchart of a method for determining user telematics data,according to an illustrative embodiment of the invention.

FIG. 6 is a flowchart of a method for determining user telematics data,according to an illustrative embodiment of the invention.

FIG. 7 is a data flow diagram illustrating a method for using telematicsdata, vehicle telematic data, user data, user telematic data, andservice data, according to an illustrative embodiment of the invention.

DETAILED DESCRIPTION

To provide an overall understanding of the invention, certainillustrative embodiments will now be described, including systems andmethods for monitoring individual telematic data, such as, individualhealth status while simultaneously monitoring vehicle telematic data.This system and method is also used to provide real-time feedback to theuser based upon the monitored user and vehicle telematic data. Suitable,non-limiting examples of the type of real-time feedback provided includealarms or warnings as to potential safety or hazardous conditions.However, it will be understood by one of ordinary skill in the art thatthe systems and methods described herein may be adapted and modified asis appropriate for the application being addressed and that the systemsand methods described herein may be employed in other suitableapplications, and that such other additions and modifications will notdepart from the scope thereof.

FIG. 1 is a block diagram of a system 100 for monitoring individualhealth status and a vehicle environment status, according to anillustrative embodiment. The system 100 uses telematic data to determinethe behavior and safety of a vehicle environment status, and itsuser/occupier. A monitoring entity uses data related to vehicle speed,vehicle handling, driving times, distance traveled, the location of thevehicle, and condition of the vehicle, etc., to assess the behavior andsafety of the user. Additionally, the monitoring entity uses datarelated to individual health measurements, and user environmentalmeasurements to further assess the behavior and safety of the user. Witha sufficient amount of data, the monitoring entity can calculate asafety status for the user based on user health measurements, userenvironmental measurements, and the condition of the vehicle/userenvironment. Based upon the various telematic and other data received, awarning or other user feedback may be provided to the user.

The system includes a user 110 having at least one user data collectiondevice 128 in communication with the user 110. The user data collectiondevice 128 is configured to measure any variety of user health statusmeasurements such as, without limitation body mass index, bloodpressure, respiratory rate, heart rate, perspiration, body temperature,eye dilation, blood sugar level, brain function (EEG), vacillations inblood sugar level, hours of sleep, physical activity rate and duration,water consumption, food consumption, alcohol consumption, amount ofsunlight exposure, and/or exposure to any variety of air or waterpollutants, etc. Suitable exemplary sensing equipment includes wearabledevices like Nike's Fuelband™ or a similar activity tracking sensor suchas Fitbit™. Still further, Netatamu's June™ and Sunsprite™ by GoodLuxTechnology are suitable non-limiting examples of personal sun exposuredetectors. Apple™ produces a number of wearable sensing devices as well.By way of further non-limiting example of a personal sensor is apersonal air pollution sensor by Carnegie Mellon under the name Airbot™.Likewise, there are a variety of smart clothing options available thatinclude embedded sensors for health monitoring. Further, wearable EEGsensors are also known, as are blood glucose level sensors, andtransdermal sensors for determination of alcohol consumption.Alternatively or additionally, the user data collection device 128 maybe configured to sense environmental factors around the user 110. Inthis manner, it can be determined if the user 110 has entered or is inan unsafe area. Suitable non-limiting examples of such user datacollection device(s) 128 include oxygen sensors, carbon monoxidesensors, methane sensors, pollution sensors, radiation sensors, etc. Allsuch user data collection device(s) 128 are capable of transmitting datavia a network or direct wire.

The system 100 also includes one or more vehicles 102, each having avehicle data collection device 104. For this disclosure, a “vehicles102” is any automobile, motorcycle, truck, bus, watercraft, aircraft, orany other vehicle operated by a driver. A vehicle data collection device104 is coupled to a vehicle 102 for collecting data about the vehicle'slocation, movements, or other information that can be used to determinedriving behavior and safety. The vehicle data collection device 104 maybe positioned inside the vehicle, attached to the outside of thevehicle, or integrated into the vehicle. For vehicles with multipledrivers, the data may be associated with the vehicle itself or with theindividual drivers.

In some embodiments, data from the user data collection device 128and/or vehicle data collection device 104 is directly transmitted to themonitoring entity without traveling through the communications network150. In other embodiments, the user data collection device 128 and/orvehicle data collection device 104 is in communication with a telematicmonitoring system 130 over a communications network 150. The user datacollection device 128 and/or vehicle data collection device 104 maycommunicate with the monitoring entity 130 through a wireless networksuch as a cellular network or by using a wireless Internet connection.

The user data collection device 128 and/or vehicle data collectiondevice 104 can be any computing device or plurality of computing devicesin cooperation having a data collection sensor (e.g., an antenna or anaccelerometer), a processor, a memory, and a means for transmitting thecollected data. The vehicle 102 or user data collection device 128and/or vehicle data collection device 104 may include an antenna forreceiving signals from global navigation satellite system (GNSS)satellites, numbered 1 through n in FIG. 1. In some embodiments, theuser data collection device 128 and/or vehicle data collection device104 is also configured to process the collected data, e.g., bysummarizing and/or compressing the data. In some embodiments, the dataprocessing protects the user's privacy by encrypting the data, removinglocation information, producing summary information, or taking othermeasures to reduce the likelihood that location information or othersensitive information are received by third parties. The components ofthe vehicle data collection device 104 are discussed further in relationto FIG. 3, and an alternative data collection device is described inrelation to FIG. 4. A similar structure may be used to form the userdata collection device 128.

In some embodiments, rather than sending collected data directly to theuser data collection device 128 and/or vehicle data collection device104 or the telematic monitoring system 130, collected data may be sentdirectly to a data processing service 106, which processes the data todetermine user safety and vehicle safety information. This can helpprotect a user's privacy, since the telematic monitoring system 130 doesnot receive detailed data about a user's location, but only receivessummary information, e.g., a vehicle or environmental/safety rating orscore. Using a data processing service 106 in some implementations isalso preferable to having the user data collection device 128 and/orvehicle data collection device 104 process data because it reduces theprocessing power needed by user data collection device 128 and/orvehicle data collection device 104 and in addition, using a third partydata processing service 106 may also make it more difficult to tamperwith the data. The data processing service can perform additionalmonitoring functions, such as vehicle security monitoring or providinglocation-based alerts (e.g., alerting a parent or employer when avehicle sensor is activated) and safety alerts. Additionally, or to thecontrary, if a potentially dangerous condition is determined, warningmessages may be sent to the user 110.

The telematic monitoring system 130 includes a plurality of applicationservers 112, a plurality of load balancing proxy servers 114, a database116, a processing unit 120, and company terminal 122. These computingdevices are connected by a local area network 124.

The application servers 112 are responsible for interacting with theuser data collection device 128 and/or vehicle data collection device104 and/or the data processing service 106. The data exchange betweenthe telematic monitoring system 130 and user data collection device 128and/or vehicle data collection device 104, and/or data processingservice 106 can utilize push and pull technologies where the applicationservers 112 of the telematic monitoring system 130 can act as both aserver and client for pushing data to the telematic monitoring system130, user data collection device 128 and/or vehicle data collectiondevice 104, and/or data processing service 106 (e.g., which vehicles tomonitor, when to stop data collection, rules for monitoring servicesrequested by the customer) and for pulling data from the telematicmonitoring system 130, user data collection device 128 and/or vehicledata collection device 104, and/or data processing service 106. Theapplication servers 112 or other servers of the telematic monitoringsystem 130 can request to receive periodic data feeds from the telematicmonitoring system 130, the user data collection device 128 and/orvehicle data collection device 104, or data processing service 106. Thecommunication between the application servers 112 and the telematicmonitoring system 130, user data collection device 128 and/or vehicledata collection device 104, and/or data processing service 106 canfollow various known communication protocols, such as TCP/IP.Alternatively, the application servers 112 and telematic monitoringsystem 130, user data collection device 128 and/or vehicle datacollection device 104, and/or data processing service 106 cancommunicate with each other wirelessly, e.g., via cellularcommunication, Wi-Fi, Wi-Max, or other wireless communicationstechnologies or combination of wired or wireless channels. The loadbalancing proxy servers 114 operate to distribute the load amongapplication servers 112.

In an embodiment, the database 116 stores information about specificusers. For each user, the database 116 includes for example and withoutlimitation, the following data fields: name, age, height, weight,gender, emergency contact numbers, medical information, geographicinformation, or derivations thereof.

The processing unit 120 is configured for determining the effect of ahazard event based on user behavior and other information related to theuser and the vehicle/vehicle environment. The processing unit 120 maycomprise multiple separate processors, such as a user behaviorprocessor, which analyzes user behavior from raw or processed datareceived from the telematic monitoring system 130, user data collectiondevice 128 and/or vehicle data collection device 104, and/or dataprocessing service 106 over the communications network 150; and abusiness logic processor, which determines a hazard notification basedon, among other things, user health state, user environment state andthe user behavior. An exemplary implementation of a computing device foruse in the processing unit 120 is discussed in greater detail inrelation to FIG. 2.

The user terminals 122 provide various user interfaces to user tointeract with the processing system 120. The interfaces include, withoutlimitation, interfaces to review vehicle/vehicle environment data; toreview vehicle data; to review customer or potential customer measuredhealth data; to retrieve data related to hazard events; and to manuallyadjust user behavior ratings. In some instances, different users may begiven different access privileges. Such interfaces may be integratedinto one or more websites for managing the hazard monitoring system 108presented by the application servers 112, or they may be integrated intothin or thick software clients or stand-alone software. The companyterminals 122 can be any computing devices suitable for carrying out theprocesses described above, including personal computers, laptopcomputers, tablet computers, smartphones, servers, and other computingdevices.

User terminals can provide various user interfaces to customers tointeract with the hazard monitoring system 108 over the communicationsnetwork 150. Customers may also use their personal computers,smartphones, tablet computers, or other computing devices as terminalsfor accessing user interfaces provided by the hazard monitoring company.For example, customers can access a web page or application provided bythe hazard monitoring company to enter information pertaining to changesin their monitoring status or boundaries, e.g., changes in sensorsensitivity, addition or subtraction of users, addition or subtractionof vehicles, relocation, addition or subtraction of various user datacollection devices 128, etc.

In some embodiments, the user data collection device 128 and/or vehicledata collection device 104 is not continually connected to the hazardmonitoring system 108 via the network 150. For example, the user datacollection device 128 and/or vehicle data collection device 104 may beconfigured to temporarily store data if the user data collection device128 and/or vehicle data collection device 104 becomes disconnected fromthe network, like when it travels out of range of cellular towers. Whenthe connection is restored, the user data collection device 128 and/orvehicle data collection device 104 can then transmit the temporarilystored data to the hazard alarm/warning company system 108. The userdata collection device 128 and/or vehicle data collection device 104 mayalternatively be configured to connect to the communications network 150through a user's home Wi-Fi network. In this case, the user datacollection device 128 and/or vehicle data collection device 104 storesall sensed data until it returns to the vicinity of the user's home,connects to the user's wireless network, and sends the data.

In some embodiments, data from a third party data provider 132 isaccessed by one or more of the user data collection device 128 and/orvehicle data collection device 104, the data processing service 106, thehazard monitoring company system 108, and/or the telematic monitoringsystem 130 over the communications network 150. Data from a third partydata provider 132 can be used in calculating a hazard alarm/warningevent. For example, the third party data provider 132 can providegeologic/seismic, traffic pattern, traffic blockage, EMS, or weatherdata that is processed in conjunction with the received telematics datato evaluate user behavior in view of the environmental/vehicleconditions.

FIG. 2 is a block diagram of a computing device 200 used for carryingout at least one of user health and/or behavior processing and businesslogic processing described in relation to FIG. 1, according to anillustrative embodiment of the invention. The computing device comprisesat least one network interface unit 204, an input/output controller 206,system memory 208, and one or more data storage devices 214. The systemmemory 208 includes at least one random access memory (RAM) 210 and atleast one read-only memory (ROM) 212. All of these elements are incommunication with a central processing unit (CPU) 202 to facilitate theoperation of the computing device 200. The computing device 200 may beconfigured in many different ways. For example, the computing device 200may be a conventional standalone computer or the functions of computingdevice 200 may be distributed across multiple computer systems andarchitectures. The computing device 200 may be configured to performsome or all of the user behavior and business logic processing, or thesefunctions may be distributed across multiple computer systems andarchitectures. In the embodiment shown in FIG. 1, the computing device200 is linked, via network 150 or local network 124 (also described inFIG. 1), to other servers or systems housed by the hazard monitoringsystem 108, such as the load balancing server 114, and the applicationservers 112, and to the telematic monitoring system 130.

The computing device 200 may be configured in a distributedarchitecture, wherein databases and processors are housed in separateunits or locations. The computing device 200 may also be implemented asa server located either on site near the hazard monitoring system 108,or it may be accessed remotely by the hazard monitoring company system108. Some such units perform primary processing functions and contain ata minimum a general controller or a processor 202 and a system memory208. In such an embodiment, each of these units is attached via thenetwork interface unit 204 to a communications hub or port (not shown)that serves as a primary communication link with other servers, clientor user computers and other related devices. The communications hub orport may have minimal processing capability itself, serving primarily asa communications router. A variety of communications protocols may bepart of the system, including, but not limited to: Ethernet, SAP, SAS™,ATP, BLUETOOTH™, GSM and TCP/IP.

The CPU 202 comprises a processor, such as one or more conventionalmicroprocessors and one or more supplementary co-processors such as mathco-processors for offloading workload from the CPU 202. The CPU 202 isin communication with the network interface unit 204 and theinput/output controller 206, through which the CPU 202 communicates withother devices such as other servers, user terminals, or devices. Thenetwork interface unit 204 and/or the input/output controller 206 mayinclude multiple communication channels for simultaneous communicationwith, for example, other processors, servers or client terminals.Devices in communication with each other need not be continuallytransmitting to each other. On the contrary, such devices need onlytransmit to each other as necessary, may refrain from exchanging datamost of the time, and may require several steps to be performed toestablish a communication link between the devices.

The CPU 202 is also in communication with the data storage device 214.The data storage device 214 may comprise an appropriate combination ofmagnetic, optical and/or semiconductor memory, and may include, forexample, RAM, ROM, flash drive, an optical disc such as a compact discand/or a hard disk or drive. The CPU 202 and the data storage device 214each may be, for example, located entirely within a single computer oranother computing device; or connected to each other by a communicationmedium, such as a USB port, serial port cable, a coaxial cable, anEthernet type cable, a telephone line, a radio frequency transceiver orother similar wireless or wired medium or combination of the foregoing.For example, the CPU 202 may be connected to the data storage device 214via the network interface unit 204.

The CPU 202 may be configured to perform one or more particularprocessing functions. For example, the computing device 200 may beconfigured for calculating hazard ratings related to user behavior. Thesame computing device 200 or another similar computing device may beconfigured for calculating a hazard risk for a user in a vehicle orlocal environment based at least upon one user behavior.

The data storage device 214 may store, for example, (i) an operatingsystem 216 for the computing device 200; (ii) one or more applications218 (e.g., computer program code and/or a computer program product)adapted to direct the CPU 202 in accordance with the present invention,and particularly in accordance with the processes described in detailwith regard to the CPU 202; and/or (iii) database(s) 220 adapted tostore information that may be utilized to store information required bythe program. The database(s) 220 may include all or a subset of datastored in database 116, described above concerning FIG. 1, as well asadditional data, such as formulas or manual adjustments, used inestablishing the hazard risk analysis for a user in a vehicle or otherstructure.

The operating system 216 and/or applications 218 may be stored, forexample, in a compressed, an uncompiled and/or an encrypted format, andmay include computer program code. The instructions of the program maybe read into a main memory of the processor from a computer-readablemedium other than the data storage device 214, such as from the ROM 212or the RAM 210. While execution of sequences of instructions in theprogram causes the CPU 202 to perform the process steps describedherein, hard-wired circuitry may be used in place of, or in combinationwith, software instructions for implementation of the processes of thepresent invention. Thus, embodiments of the present invention are notlimited to any specific combination of hardware and software.

Suitable computer program code may be provided for analyzing userbehavior and determining a hazard risk as described in relation to FIGS.5 through 7. The program also may include program elements such as anoperating system, a database management system and “device drivers” thatallow the processor to interface with computer peripheral devices (e.g.,a video display, a keyboard, a computer mouse, etc.) via theinput/output controller 206.

The term “computer-readable medium” as used herein refers to anynon-transitory medium that provides or participates in providinginstructions to the processor of the computing device (or any otherprocessor of a device described herein) for execution. Such a medium maytake many forms, including but not limited to, non-volatile media andvolatile media. Non-volatile media include, for example, optical,magnetic, or opto-magnetic disks, or integrated circuit memory, such asflash memory. Volatile media include dynamic random access memory(DRAM), which typically constitutes the main memory. Common forms ofcomputer-readable media include, for example, a floppy disk, a flexibledisk, hard disk, magnetic tape, any other magnetic medium, a CD-ROM,DVD, any other optical medium, punch cards, paper tape, any otherphysical medium with patterns of holes, a RAM, a PROM, an EPROM orEEPROM (electronically erasable programmable read-only memory), aFLASH-EEPROM, any other memory chip or cartridge, or any othernon-transitory medium from which a computer can read.

Various forms of computer readable media may be involved in carrying oneor more sequences of one or more instructions to the CPU 202 (or anyother processor of a device described herein) for execution. Forexample, the instructions may initially be borne on a magnetic disk of aremote computer (not shown). The remote computer can load theinstructions into its dynamic memory and send the instructions over anEthernet connection, cable line, or even telephone line using a modem. Acommunications device local to a computing device (e.g., a server) canreceive the data on the respective communications line and place thedata on a system bus for the processor. The system bus carries the datato main memory, from which the processor retrieves and executes theinstructions. The instructions received by main memory may optionally bestored in memory either before or after execution by the processor.Also, instructions may be received via a communication port aselectrical, electromagnetic or optical signals, which are exemplaryforms of wireless communications or data streams that carry varioustypes of information.

FIG. 3 is a block diagram of a vehicle 102 having a vehicle datacollection device 104. As described in relation to FIG. 1, the vehicle102 may be any automobile, motorcycle, truck, bus, watercraft, aircraft,or any other vehicle operated by a driver. The vehicle 102 includes avehicle computer 302, a diagnostics (OBD) port 304, and vehicletelematics sensors 306. The vehicle data collection device 104 isconnected to the vehicle 102 via an OBD port connector 318 connected tothe OBD port 304 to receive telematics data and other information. Thevehicle data collection device 104 includes a processor 310, a GNSSreceiver 312, an accelerometer 314, and memory 316. The processor 310can be a CPU, a microprocessor, an FPGA, or any other processing unitthat can be configured to execute a software or firmware program fortelematics data acquisition. The processor 310 is in communication withthe other elements of the vehicle data collection device 104 tofacilitate the operations of the vehicle data collection device 104. Theprocessor can also be configured to process data received from the GNSSreceiver 312, the accelerometer 314, and the OBD port connector 318.Data processing may include analyzing user behavior, determining ifservice is needed, determining if there is an unsafe status with thevehicle, formatting data, or encrypting data.

The GNSS receiver 312 includes an antenna and associated signalprocessing circuitry for receiving signals from global navigationsatellite system (GNSS) satellites, such as the satellites numbered 1through n in FIG. 1, and determining its location from the signals. GNSSsatellites may be, for example, GPS, GLONASS, Galileo, or Beidousatellites which send time and orbital data from which the vehicle datacollection device 104 can calculate its location. In someconfigurations, the processor 310 calculates the location of the userfrom data from the receiver 312. The processor 310 can pull locationdata from the GNSS receiver 312 at set time intervals, such as every 0.1seconds, 0.2 seconds, 0.5 seconds, 1 second, 2 seconds, 5 seconds, or 10seconds. The processor 310 sends the location data to the memory 316along with a time and date stamp indicating when the user was at thelocation. In some embodiments, the GNSS receiver 312 may be part of aseparate GNSS device used by the user for obtaining user directions. Inthis case, the GNSS receiver 312 transmits data to the user datacollection device 128 and/or vehicle data collection device 104 though awired connection or a wireless connection, e.g., BLUETOOTH or Wi-Fi.

The accelerometer 314 is a device that measures proper accelerationrelated activity. Data collected from an accelerometer 314 may includeor be used for obtaining safety events or condition of the vehicle. Someor all of these types of data are received or calculated by theprocessor 310. The processor 310 may collect data at intervals such asevery 0.1 seconds, 0.2 seconds, 0.5 seconds, 1 second, 2 seconds, 5seconds, or 10 seconds and store the data in the memory 316. Each datapoint is time and date stamped and/or location stamped. In someembodiments, the processor 310 determines intervals between data storedin the memory 316 based on trends in the data.

The OBD port connector 318 is used to collect data from the vehiclecomputer 302 and/or vehicle telematics sensors 306 via OBD port 304. TheOBD port 304 can have a standard interface, such as OBD-1, OBD-1.5,OBD-II, EBD, EBD2, JBD, ADR 79/01, or ADR 79/02. Instead of an OBD port304, any other port and corresponding connector for receiving data froma vehicle's computer can be used. The vehicle computer 302 may provideinformation about the vehicle's diagnostics. Vehicle diagnostics datacan be used to determine the presence of any vehicle malfunctions, suchas poor air quality, seismic events, structural integrity issues, hightemperature, loss of electrical power, or fire conditions. With thevehicle diagnostics data, it is possible to determine whether a safetyevent was caused by the user's actions or related to the malfunction,and thus not reflective of the user's user habits. The vehicle maycontain additional telematics sensors 306 for, e.g., vehicle tracking,monitoring electrical consumption, and vehicle safety. Data obtained bythe vehicle data collection device 104 from the vehicle computer 302 andtelematics sensors 306 via the BD port 304 can supplement or be usedinstead of data collected by the GNSS receiver 312 and/or accelerometer314. In some embodiments, the vehicle data collection device 104 turnson automatically when the vehicle 102 is with power, and the vehicle 102may power the vehicle data collection device 104.

In some embodiments, the vehicle data collection device 104 may also beconfigured to communicate with the user via an external user interface,such as a display screen within the vehicle 102. The external userinterface includes output components, such as a screen or speakers, andmay include input components, such as a touch screen, keyboard, ormicrophone. The external user interface can output user behavior data,vehicle diagnostics data, a service alert, a malfunction alert, and anydata collected from the GNSS receiver 312, accelerometer 314, and/or BDport 304.

In some embodiments, rather than running the data acquisition program ona dedicated data acquisition device installed in the vehicle, the dataacquisition program runs on the user's mobile device, such as anIPHONE™, BLACKBERRY™ or any other smartphone or mobile computing deviceconfigured to collect data that can be used to analyze user behaviorand/or vehicle status. The data can be collected using sensors, such asa GNSS receiver or accelerometers, in the mobile device, or the data canbe transmitted from the vehicle and received by the mobile device via awired or wireless connection.

FIG. 4 is a block diagram of an exemplary mobile device 400 that can beused instead of the vehicle data collection device 104. The mobiledevice 400 includes a CPU 410, a GNSS receiver 412, an accelerometer414, and a memory 416, which are similar to the processor 310, the GNSSreceiver 312, the accelerometer 314, and the memory 316, respectively,described above in relation to FIG. 3. The mobile device 400 alsoincludes a user interface 418, a transceiver 420, and a data port 422.The CPU 410 is configured to execute a software application fortelematics data acquisition. The CPU 410 is in communication with all ofthe other elements of the mobile device 400 to facilitate the operationof the data collection device 400, and can perform processing similar tothe processing performed by the processor 310 described above inrelation to FIG. 3.

A user of the mobile device interacts with the mobile device through theuser interface 418. The user interface 418 can include one or more of ascreen, a touch screen, a speaker, a headphone jack, a keyboard, and amicrophone. One or more transceivers 420 are used to connect to andexchange data over a cellular network, the Internet, a BLUETOOTH™connection, or other wireless communications pathways. The data port 422is used for wired communication with the vehicle and/or the telematicmonitoring system 130. The data acquisition application can bedownloaded from the network or the telematic monitoring system 130either wirelessly using the transceiver 420 or through a wiredconnection using the data port 422. Once the data acquisitionapplication has been installed, it should be executed each time the user110 enters the vehicle. The user can use the user interface 418 toexecute the data acquisition application each time he enters thevehicle. In some embodiments, the mobile device 400 can automaticallyexecute the data acquisition application when the mobile device 400determines that it is in a vehicle by processing the signals from theGNSS receivers 412 and/or other methods.

In some embodiments, the mobile device 400 is connected to the vehicleby a wireless connection (e.g., BLUETOOTH) or a wired connection usingthe transceiver 420 or the data port 422, respectively. In suchembodiments, the mobile device 400 can be configured to automaticallyexecute the data acquisition application based on the presence of thevehicle connection. While in the vehicle, the vehicle's computer cansend telematics data to the mobile device 400. If the mobile device 400receives data indicating a vehicle malfunction/safety event, the CPU 410can create an alert, and the alert can be communicated to the user viathe user interface 418. Telematics data received from the vehicle and/ordetected by the GNSS receivers 412 or accelerometers 414 is stored inmemory 416. The telematics data can be sent to the telematic monitoringsystem 130, vehicle data collection device 104, and/or data processingservice 106 in real time, near-real time, or after a longer period ofdata collection via the transceiver 420, or the data can be transmittedafter a period of data collection via the data port 422.

FIG. 5 is a flowchart of a method for providing a warning/alarm based oncollected user telematic data and vehicle telematic data 500. Usertelematic data and vehicle telematic data are collected (steps 502 and504) or after being collected, the user data collection device 128,vehicle data collection device 104 or a mobile device 400 transmits theuser telematic data and/or building telematic data to the monitoringsystem where the data is analyzed (step 506). The data is analyzed andcompared against a standard indicating for each the data type.Subsequently, a determination is made if the user 110 is operating orotherwise functioning in a condition or environment that is within oroutside acceptable ranges (determination 508) for that type of activity.

For activities where the user 110 is operating within acceptableparameters, the system continues to monitor the telematic data (step510). For activities where the user 110 is operating outside ofacceptable parameters, initially, the system determines as to theseverity of activity (determination 512). Based upon the severity of theevent, the system may continue to monitor the telematic data (step 516),and/or it may determine to provide an alarm/notification to the user(step 514). Alternatively or additionally, notification may be made to ahealth care provider (determination 518, step 520) and/or firstresponders such as, without limitation, police, firemen, paramedics,etc. Again, the system may continue monitoring the telematic data (step522).

The resulting data may be stored and maintained at the hazard monitoringcompany. As discussed, the data may be used to determine modificationsto hazard parameters or otherwise as needed.

FIG. 6 describes a method for determining a hazard alarm/notificationoccurrence for a user based on telematics data once the telematics dataacquisition program has been installed. The telematics data acquisitionprogram on the vehicle data collection device 104 or mobile device 400collects data related to the user's behavior and the condition of thevehicle/vehicle environment, as described in relation to FIGS. 3 and 4(step 602), during a data acquisition period or monitoring period. Theuser 110 can be monitored for any period of time over which a sufficientamount of data to analyze the user's user behavior can be collected,e.g., 1 minute, 1 hour, 1 day, 1 month, 2 months, 3 months, or 6 months.

As the data is being collected or after the data has been collected, thevehicle data collection device 104 or mobile device 400 transmits thedata to the hazard monitoring system 108 (step 604). As previouslymentioned, the data may be processed by the telematic monitoring system130 and/or a third party data processing service 106 before being sentto the hazard monitoring system 108. The hazard monitoring system 108then determines an alarm/notification status (step 606) based on thereceived telematics data as well as data related to the vehicle and theuser 110. Determining the alarm/notification status is described infurther detail in relation to FIG. 7.

Once the alarm/notification status has been determined, the hazardmonitoring system 108 transmits the alarm/notification to the user 110for his/her consideration (step 610). The alarm/notification may includeseveral possible types of different information from which the user 110can review.

The user 110 then determines whether to act on the information (step612). If the user 110 follows the alarm/notification, the hazardmonitoring company documents the user 110 action (step 614). If the user110 declines to follow the alarm/notification, the hazard monitoringcompany may provide periodic reminder alarm/notifications of a continuedhazard (step 616).

FIG. 7 provides greater detail into the factors involved in developing ahazard alarm/notification. The hazard alarm/notification is derived fromfour main classes of data: vehicle data 710, user data 720, usertelematic data 770, and vehicle telematics data 730. The vehicletelematics data 730 is processed to generate data related to userbehavior and vehicle/vehicle environmental conditions. Based on thevehicle condition, a malfunction/safety alert may be provided to theuser 110. In addition to the vehicle data 710, user data 720, usertelematic data 770, and vehicle telematics data 730, data from previoustelematics monitoring 762 and service history data 760 can be used todetermine the hazard alarm/notification 780. The processing steps forprocessing the data described in relation to FIG. 7 and determining ahazard alarm/notification event can be performed at the hazardmonitoring system 108, the third party data processing service 106, thetelematic monitoring system 130, the vehicle data collection device 104or mobile device 400, or any combination of these systems and devices.

Vehicle data 710 is comprised of data relating to the vehicle. Thevehicle data 710 includes construction materials, vehicle location,nature of vehicle use (commercial, industrial, etc.), the age ofvehicle, etc. If the vehicle has special feature, this data is alsoincluded in the vehicle data 710. The vehicle data 710 also includes theage of the vehicle 714, the mileage of the vehicle 715, and the historyof the vehicle 716. The history 716 includes information on any events,such as accidents or safety events, of the vehicle or those in the area.The history 716 also includes any available service records and anyavailable information related to how the vehicle was used by itsprevious owner(s). The vehicle data may also include the purchase priceand/or resale price of the vehicle.

User data 720 is comprised of the data associated with the user 110. Theuser data 720 includes basic contact information 721 of the user 110,including the user's name, address, telephone number(s), fax number,email address, etc. The user data 720 also includes basic demographicdata, such as gender 722 and age 723. The user data 720 also includesdata that can be used to analyze the user's finances and financialresponsibility, such as social security number 724 and employmentinformation 725. The user data 720 also includes the user's medicalhistory 726, with which the hazard monitoring company 108 can retrieveinformation on the user's user history.

The user telematics data 770 includes data collected by the dataacquisition program. The user telematic data includes sensed data aboutthe user's health and overall condition such as, blood pressure, bodytemperature, perspiration, body mass index, blood glucose level, bloodalcohol content, brain function, activity level, respiratory rate, eyedilatation, etc. Additionally, or alternatively, the user telematic data770 includes sensed data about the user's environment. Such dataincludes, but is not limited to, oxygen content, carbon monoxide level,methane gas detection, hydrogen sulfide gas (or any dangerous orpoisonous fluid) presence, etc. The user telematic data 770 is generallya measure of any environmental factor such as weather, road conditions,daylight etc. the user is experiencing during or around vehicleoperation.

The vehicle telematics data 730 includes data collected by the dataacquisition program. The vehicle telematics data 730 includes GNSS data731 and accelerometer data 732 collected by the GNSS receivers 312 or412 and accelerometers 314 or 414, respectively. The telematics dataalso includes data collected from the OBD port, such as energy usagedata 733, safety event deployment data 734, and HVAC diagnostics data735. The telematics data 730, particularly the GNSS data 731,accelerometer data 732, and any data received from the vehicle computerrelating to safety events (e.g., fire event, carbon dioxide event, etc.)are processed to generate metrics indicative of user behavior.

The vehicle telematics data 730 is also analyzed to determine whetherthe vehicle is malfunctioning or has experienced a safety event(decisions 750 and 752). The vehicle diagnostics data 735, the airbagdata 734, and data indicating the misuse are particularly relevant forthese determinations. If the vehicle is malfunctioning or hasexperienced a safety event, an alert (754 or 756) is generated andcommunicated to the user's telephone, smart phone, computer, or anyother communications device, or to the vehicle 102. The alert can be inthe form of a phone call, a voice mail, a text message, an email, analert on the vehicle's dashboard, or any other type of communication.The alert can include the type of safety event or a description of themalfunction, a level of urgency of reacting to the safety event orpossible courses of action.

In some embodiments, the user 110 may have telematics data 762 fromprevious telematics monitoring that was performed by the same hazardmonitoring company, a different hazard monitoring company, or notassociated with a hazard monitoring company. The previous telematicsdata 762 may be similar to the telematics data 730. If the hazardmonitoring system 108 can access the previous telematics data 762, itcan use this to generate a hazard alarm/notification without collectingtelematics data 730. In this case, an alarm/notification can begenerated as soon as the previous telematics data 762 is available tothe hazard monitoring system 108. In other embodiments, telematics data730 is still gathered, and it is supplemented by the previous telematicsdata 762. If the telematics data 762 was collected by a different hazardmonitoring company or a different vehicle data collection device 104,the format of the data may not be in the format used by the hazardmonitoring system 108 for calculating a hazard alarm/notification. Inthis case, the hazard monitoring system 108 can convert the data formatinto the data format output by the hazard monitoring company's dataacquisition program.

In some embodiments, data from a third-party data provider 764 is alsoaccessed for generating the hazard alarm/notification. For example, datafrom a third-party data provider 132 may provide additional informationrelated to the user 110, such as the user's safety record or medicalhistory. Other third-party data, such as injury accidents and weatherdata, is processed in conjunction with the received telematics data toevaluate user patterns given the vehicle conditions and may be used whenevaluating the user.

Based on some or all of the vehicle data 710, user 110 data 720, usertelematic data 770, vehicle telematics data 730, processed user behaviorcharacteristics 740-748, service history 760, previous telematics data762, third party data 764, and current health data 770, the hazardmonitoring system 108 determines a hazard alarm/notification event forthe user. Safe user behaviors, user health factors within tolerance,user environmental factors within tolerance, good vehicle conditions,and good medical history may be associated with higher hazard eventtolerance. The various factors may be rated separately, e.g., an overallsafety rating can be calculated, or a user behavior rating can becalculated. The factors can be weighted and the hazardalarm/notification event based on the various rating factors and theirrelative weights. In some embodiments, the hazard monitoring system 108uses the telematics data 730 in an algorithm for generating a hazardalarm/notification event.

An aspect of the disclosure includes a system for processingenvironmental safety status, health data, and vehicle data related to ahazard alarm/notification for a user 110. The system comprising acommunications interface configured to receive user health telematicsdata collected by a telematics data acquisition device. The telematicsdata acquisition device is configured to collect user health telematicdata of a user safety status. The user health telematic data beingindicative of the user safety status while operating a vehicle. Thesystem is configured to receive vehicle telematic data collected by atelematics data acquisition device. The telematics data acquisitiondevice is configured to collect telematics data of a vehicle. Thetelematics data is indicative of the safety of the vehicle while beingoperated by a user. The system is configured to provide the healthtelematic, and the vehicle telematic data to a business logic processorfor the development of a hazard alarm/notification based on at least oneof the received health telematics data or vehicle telematic data. Thesystem is configured to transmit the hazard alarm/notification to theuser.

A further aspect includes a hazard alarm/notification system disclosedincludes the user health telematics data collected by a telematics dataacquisition device. The data contains telematic data that is at leastone of a body mass index, blood pressure, respiratory rate, heart rate,perspiration, body temperature, eye dilation, blood sugar level, brainfunction (EEG), vacillations in blood sugar level, hours of sleep,physical activity rate and duration, water consumption, foodconsumption, alcohol consumption, amount of sunlight exposure, and/orexposure to any variety of air or water pollutants data.

A further aspect includes a hazard alarm/notification system whereinhealth telematics data indicates an unsafe condition for the user.

Another aspect includes a hazard alarm/notification system wherein thetelematics data indicative of safety of the vehicle includes telematicdata that is at least one of a vehicle speed, vehicle handling, drivingtimes, distance traveled, location of the vehicle, and condition of thevehicle.

A further aspect includes a hazard alarm/notification system whereinvehicle telematics data indicates an unsafe condition for the user.

Another aspect includes a hazard alarm/notification system furthercomprising transmitting the hazard alarm/notification to a firstresponder, such as, a policeman, a fireman, or a paramedic.

A still further aspect includes one or more tangible computer readablemedia storing computer readable instructions that, when executed,perform a method of providing a hazard alarm/notification to a userbased upon human health telematic data and vehicle telematic data,including receiving health telematic data via a communications interfacehealth telematics data collected by a telematics data acquisitiondevice. Also, receiving vehicle telematic data via a communicationsinterface vehicle telematics data collected by a telematics dataacquisition device. This includes determining a hazardalarm/notification based on the received health telematic data and thereceived vehicle telematic data. Also included is transmitting thehazard alarm/notification to the user.

The computer readable media includes the step of receiving healthtelematic data about at least one of a body mass index, blood pressure,respiratory rate, heart rate, perspiration, body temperature, eyedilation, blood sugar level, brain function (EEG), vacillations in bloodsugar level, hours of sleep, physical activity rate and duration, waterconsumption, food consumption, alcohol consumption, amount of sunlightexposure, and/or exposure to any variety of air or water pollutantsdata.

Also included is the computer-readable media wherein the healthtelematic data indicates the user is in an unsafe condition.

Additionally included is the computer-readable media wherein the step ofreceiving vehicle telematic data includes receiving vehicle telematicdata of at least one of a vehicle speed, vehicle handling, drivingtimes, distance traveled, location of the vehicle, and condition of thevehicle.

The computer-readable media wherein the vehicle telematic data indicatesthe user is in or near an unsafe environment or location.

Also included is the computer-readable media wherein the step oftransmitting the hazard alarm/notification to the user includestransmitting the hazard alarm/notification based upon an unsafecondition detected with the user's health.

Further, the computer readable media wherein the unsafe conditiondetected with the user's health is related to user telematic data. Thisincludes data about at least one of a body mass index, blood pressure,respiratory rate, heart rate, perspiration, body temperature, eyedilation, blood sugar level, brain function (EEG), vacillations in bloodsugar level, hours of sleep, physical activity rate and duration, waterconsumption, food consumption, alcohol consumption, amount of sunlightexposure, and/or exposure to any variety of air or water pollutantsdata.

An additional aspect includes the computer readable media wherein thestep of transmitting the hazard alarm/notification to the user includestransmitting the hazard alarm/notification based upon an unsafecondition detected with environmental conditions in the user's location.

Also includes is the computer-readable media wherein the vehicleconditions include at least one of a vehicle speed, vehicle handling,driving times, distance traveled, location of the vehicle, and conditionof the vehicle.

Another non-limiting aspect of this disclosure includes a sensor systemthat has a first sensor, to be worn by a user. The first sensoroutputting a first sensor data indicative of measured at least one userhealth telematic data. Additionally included is a second sensor, incommunication with a vehicle being operated by the user, the secondsensor outputting a second sensor data indicative of a measured at leastone vehicle telematic data. Also, a computing unit, in communicationwith the first sensor and the second sensor. The computing unit storingprogram instructions for execution by the computing unit to, receive thefirst sensor data and the second sensor data, calculate a risk levelassociated with the first sensor data and the second sensor data, and,output a hazard alarm/notification feedback signal to the userindicative of the risk level of the first sensor data and the secondsensor data.

Also included is a sensor system wherein the first sensor data is usertelematic data about at least one of a body mass index, blood pressure,respiratory rate, heart rate, perspiration, body temperature, eyedilation, blood sugar level, brain function (EEG), vacillations in bloodsugar level, hours of sleep, physical activity rate and duration, waterconsumption, food consumption, alcohol consumption, amount of sunlightexposure, and/or exposure to any variety of air or water pollutantsdata.

Also included is a sensor system wherein the output signal to the useris a hazard alarm/notification indicative of the user telematic dataindicating the user spending excessive time in an area having apredetermined dangerous or unsafe level or condition.

Another aspect includes a sensor system further including providing ahazard alarm/notification output feedback signal to the hazardalarm/notification to a first responder, such as, a policeman, afireman, or a paramedic.

Another aspect includes a sensor system wherein the second sensor datais data related to at least one of a vehicle speed, vehicle handling,driving times, distance traveled, location of the vehicle, and conditionof the vehicle.

Also, a sensor system further includes providing a hazardalarm/notification output feedback signal to a first responder, such as,a policeman, a fireman, or a paramedic.

Another aspect of the disclosure is a method for providing a hazardalarm/notification based upon human health telematic data and vehicletelematic data. The method comprising, receiving, by a communicationsinterface, user health telematics data collected by a telematics dataacquisition device. The user health telematics data being indicative ofa user health status health while operating a vehicle. Also, receiving,by a communications interface, vehicle telematic data collected by atelematics data acquisition device, the vehicle telematics data beingindicative of a vehicle safety status health while being operated by auser. Further, determining, by the business logic processor, a hazardalarm/notification for the user based on the received user healthtelematic data and vehicle telematic data. Additionally, providing bythe business logic processor the hazard alarm/notification to thecommunications interface. Also, transmitting, by the communicationsinterface, the hazard alarm/notification to the user.

The method further comprising transmitting, by the communicationsinterface, the hazard alarm/notification to a first responder, such as,a policeman, a fireman, or a paramedic.

A further aspect of the disclosure is a method of providing humantelematic based hazard alarm/notification to a user based upon humantelematic data and vehicle telematic data. The additional aspectcomprising providing a first sensor, to be worn by a user, a firstsensor data indicative of measured at least one user health telematicdata. Also, providing a second sensor, in communication with a vehiclebeing operated by the user, the second sensor outputting a second sensordata indicative of a measured at least one vehicle telematic data. Thisaspect also includes providing a computing unit, in communication withthe first sensor and the second sensor, the computing unit storingprogram instructions for execution by the computing unit. The computingunit receiving the first sensor data and the second sensor data andcalculating a risk level associated with the first sensor data and thesecond sensor data. The computing unit is also providing a hazardalarm/notification output feedback signal indicative of the risk levelof first sensor data and the second sensor data to the user.

The method further comprising transmitting, by the communicationsinterface, the hazard alarm/notification to a first responder, such as apoliceman, a fireman, or a paramedic.

An additional aspect includes a method wherein the user health telematicdata is user telematic data about at least one of a body mass index,blood pressure, respiratory rate, heart rate, perspiration, bodytemperature, eye dilation, blood sugar level, brain function (EEG),vacillations in blood sugar level, hours of sleep, physical activityrate and duration, water consumption, food consumption, alcoholconsumption, amount of sunlight exposure, and/or exposure to any varietyof air or water pollutants data.

Yet another aspect includes a method wherein the vehicle telematic datainclude at least one of a vehicle speed, vehicle handling, drivingtimes, distance traveled, location of the vehicle, and condition of thevehicle.

While various embodiments of the present invention have been shown anddescribed herein, it will be obvious to those skilled in the art thatsuch embodiments are provided by way of example only. Numerousvariations, changes, and substitutions will now occur to those skilledin the art without departing from the invention. It should be understoodthat various alternatives to the embodiments of the invention describedherein may be employed in practicing the invention. It is intended thatthe following claims define the scope of the invention and that methodsand structures within the scope of these claims and their equivalents becovered thereby.

What is claimed is:
 1. A system for processing environmental safetystatus, health data, and historic vehicle telematic data related todetermination of a hazard alarm/notification for a user, the systemcomprising: a non-transitory computer-readable storage medium withinstructions stored thereon that, when executed, direct a processor toperform acts comprising: receive user health telematic data collected bya human wearable telematic data acquisition device, wherein the humanwearable telematic data acquisition device is configured tosubstantially continuously collect a user's health telematic data whilethe user is operating a vehicle; receive user environmental telematicdata collected by the human wearable telematic data acquisition device,the user environmental telematic data being indicative of anenvironmental quality around the user; receive historic vehicletelematic data via a vehicle data acquisition device, wherein thehistoric vehicle telematic data is indicative of at least one historicalattribute of the vehicle, including any prior safety event deploymentdata; provide the user health telematic data, user environmentaltelematic data, and the historic vehicle telematic data to a businesslogic processor for the determining of a hazard alarm/notification eventbased on the provided data; transmit the hazard alarm/notification tothe user via a mobile device.
 2. The system of claim 1, wherein the stepof receiving user health telematic data includes data about at least oneof a body mass index, blood pressure, respiratory rate, heart rate,perspiration, body temperature, eye dilation, blood sugar level, brainfunction (EEG), vacillations in blood sugar level, hours of sleep,physical activity rate and duration, water consumption, foodconsumption, alcohol consumption, amount of sunlight exposure, and/orexposure to any variety of air or water pollutants data.
 3. The systemof claim 2, wherein the health telematic data indicates the user is inan unsafe condition.
 4. The system of claim 1, wherein the at least onehistorical attribute of the vehicle includes vehicle maintenancehistory.
 5. The system of claim 4, wherein the vehicle telematic dataindicates the user is in or near an unsafe environment or location. 6.The system of claim 1, wherein the at least one historical attribute ofthe vehicle includes historical vehicle use.
 7. The system of claim 1,wherein the prior safety event deployment data includes the vehicle'saccident history.
 8. The system of claim 7, wherein the vehicle'saccident history includes prior airbag deployment.
 9. The system ofclaim 1, wherein the vehicle telematic data indicates the vehicle isbeing operated in an unsafe manner.
 10. The system of claim 1, furthercomprising transmit the hazard alarm/notification to a first responder,such as, a policeman, a fireman, or a paramedic.
 11. A computer-readablestorage medium with instructions stored thereon that, when executed,direct a processor to perform methods comprising: receiving first sensordata comprising data indicative of at least one current human telematichealth data provided by a wearable user health telematics dataacquisition device, the first sensor outputting a first sensor dataindicative of measured at least one user health telematic data;receiving second sensor data comprising data indicative of at least onehistoric vehicle telematic data including the historical nature of priorvehicle use including any safety event deployment data indicating aprior vehicle collision event; receiving third sensor data comprisingdata indicative of at least one current environmental data around theuser; calculating a risk level associated with the first sensor data,the second sensor data, and the third sensor data; and, outputting afeedback signal to the user indicative of a risk level of the firstsensor data, the second sensor data, and the third sensor data via amobile device.
 12. The method of claim 11, further comprisingtransmitting a hazard alarm/notification to a first responder, such as,a policeman, a fireman, or a paramedic based upon attainment of acertain risk level.
 13. The method of claim 11, wherein the hazardalarm/notification informs the first responder that a user is spendingexcessive time in a potentially dangerous situation based upon the firstsensor data, the second sensor data, and the third sensor data.
 14. Themethod of claim 11, further comprising transmitting a hazardalarm/notification to the user indicative of an unsafe condition. 15.The method of claim 14, wherein the hazard alarm/notification istransmitted to the user via a mobile device.
 16. The method of claim 14,wherein the hazard alarm/notification includes both audio and textualmessaging.
 17. A tangible computer-readable storage medium withinstructions stored thereon that, when executed, direct a processor toperform acts comprising: receive user health telematic data collectedsubstantially continuously, the health telematic data being indicativeof a user's current health status while operating a vehicle; receiveuser environmental telematic data indicative of an environmental qualityaround the user; receive historic vehicle telematic data indicative ofhistorical vehicle data indicating a nature of prior vehicle useincluding any safety event deployment data; calculate a hazardalarm/notification event based on at least one of the received userhealth telematic data, user environmental telematic data, or historicvehicle telematic data; transmit the hazard alarm/notification to theuser via a mobile device.
 18. The computer-readable storage medium ofclaim 17, further comprising transmit the hazard alarm/notification to afirst responder, such as, a policeman, a fireman, or a paramedic. 19.The computer-readable storage medium of claim 17, wherein the userhealth telematic data is user telematic data about at least one of abody mass index, blood pressure, respiratory rate, heart rate,perspiration, body temperature, eye dilation, blood sugar level, brainfunction (EEG), vacillations in blood sugar level, hours of sleep,physical activity rate and duration, water consumption, foodconsumption, alcohol consumption, amount of sunlight exposure, and/orexposure to any variety of air or water pollutants data.
 20. Thecomputer-readable storage medium of claim 17, wherein the historicvehicle telematic data include at least one of a vehicle handling,driving times, vehicle maintenance history, vehicle prior use, vehicleaccident history, vehicle accident deployment history, distancetraveled, location of the vehicle, and condition of the vehicle.